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Hours: M-F 8:00 a.m. – 4:30 p.m. (CST)
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4601 College Blvd
Leawood KS 66211
Powered By: Bukaty Companies – Since 1992
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Kansas Workers Compensation Insurance Guideline Summary
In Kansas, employers are required to provide a workers compensation insurance plan to pay their employees' work comp benefits for injuries, disability, death, or occupational diseases that are sustained while on the job or are job-related. The workers' compensation insurance is paid for by the Kansas employer, and work comp coverage starts on the employee’s first day of employment.
The present law covers all Kansas employers except for those in some agricultural regions or those with a gross annual payroll of less than $20,000. All payroll, including executive officers, is taken into account, including that paid in Kansas or elsewhere.
Specific individuals can elect to be excluded from coverage included owners and executive officers with a 10% or higher ownership position in the corporation. Family members and relatives must be treated as an employee unless they meet the ownership test.
If the employer is a sole proprietor or a partnership, the wages paid to the owners and any of their family members are not used in the computation of the $20,000.
Payroll includes but is not limited to wages, salaries, commissions, bonuses, overtime at straight pay, vacation pay, and sick pay. The rules for defining payroll are complicated. Contact us for a free copy of the complete Kansas payroll definition.
Work comp insurance costs vary for individual businesses and are dependent upon the type of occupational employment risk, estimated annual payroll, and the company’s previous losses.
Most Kansas employers are required by law to provide for the payment of worker's compensation claims at no expense to the employee. Employers may satisfy this requirement in one of three ways:
Workers' compensation insurance obtained from an insurance carrier licensed to sell work comp insurance in Kansas.
An employer may provide self-insurance by demonstrating to the state of Kansas the financial ability to pay any work comp claims that might arise. The Kansas Division of Workers Compensation must administer this self-insurance workers compensation program.
A group of employers meeting specific statutory requirements may form a self-insurance workers compensation program to ensure their ability to pay claims jointly. The Kansas Insurance Department administers this program.
Intentional failure to provide workers compensation payment in one of the above ways is a Class A misdemeanor in Kansas and subjects the employer to a civil penalty in an amount twice the annual premium the employer would have paid for workers compensation insurance or $25,000 whichever amount if greater.
A new rating structure in effect since 1995 allows workers’ compensation insurance coverage to be provided by private insurance companies on a competitive basis. Premiums are determined by applying the rate for a specific occupation, per $100 of payroll, to the annual wage per employee. Contact CheapWorkComp.com to obtain a free Kansas rate chart at 913-345-0440.
The state’s administrative costs for workers’ compensation and maintenance of the Workers’ Compensation Fund balance are funded by assessments on the paid losses of insurance companies, group pools, and the self-insured. These rates are set annually based on the previous calendar year’s paid losses and the amounts required for administration and adequate Fund balance.
Kansas Resource Links:
Division of Workers Compensation State of Kansas
800 SW Jackson St, Suite 600
Topeka KS 66612-1227
Kansas Insurance Commissioner Kansas Dept of Labor
420 SW 9th St 401 SW Topeka Blvd
Topeka KS 66612-1678 Topeka KS 66603-3182
We provide cheap work comp insurance for these industry segments:
Air Conditioning, Alarm, Ale, Arborist, Asphalt, Automobile, Ball, Beer, Blacksmith, Boat, Body, Bottling, Brewery, Brick, Bridge, Burglar, Cabinet, Cable, Car, Carpentry, Carpet, Casket, Ceiling, Chemical, Chimney, Clay, Cleaner, Cleaning, Clerical, Coffin, Concrete, Construction, Crane, Cutler, Cutting, Dealers, Distributor, Door, Drainage, Drilling, Drivers, Duct Work, Electric, Elevator, Excavation, Fence, Fish, Foundry, Freight, Fuel, Furniture, Galvanizing, Garage, Garbage, Gardening, Gas, Gasoline, Gear, General Contractor, Glazier, Grading, Gravel, Hardware, Insulation, Iron, Irrigation, Janitor, Landscape, Lawn, Lettering, Linoleum, Lock, Machinery, Masonry, Meat, Molding, Mosaic, Motor, Nut, Oil, Painting, Pallet, Paperhanging, Parts, Pipe, Planning, Plastering, Plastic, Plumber, Plumbing, Plywood, Polishing, Poultry, Ready Mixed, Repair, Road, Roofing, Rubber, Sales, Sand, Sash, Saw, Screw, Seed, Sewer, Sheet Metal, Shops, Shrub, Sign, Spraying, Steel, Stone, Store, Street, Swimming Pool, Tank, Telephone, Terrazzo, Tile, Tinning, Tool, Trucking, Truss, Valve, Veneer, Vinyl, Wallboard, Well, Wholesale, Wine, Wire
Counties and cities we serve in Kansas & Missouri:
Kansas Counties & Cities
Douglas County: Baldwin City, Eudora, Lawrence, Lecompton.
Franklin County: Lane, Ottawa, Pomona, Princeton, Rantoul, Richmond, Wellsville, Williamsburg.
Jefferson County: McLouth, Meriden, Nortonville, Oskaloosa, Ozawkie, Perry, Valley Falls, Winchester.
Johnson County: De Soto, Edgerton, Gardner, Leawood, Lenexa, Mission, New Century, Olathe, Overland Park, Prairie Village, Shawnee, Spring Hill, Stilwell.
Leavenworth County: Basehor, Bonner Springs, De Soto, Easton, Kansas City, Lansing, Leavenworth, Linwood, Tonganoxie.
Linn County: Blue Mound, La Cygne, Linn Valley, Mound City, Parker, Pleasanton, Prescott.
Miami County: Fontana, Louisburg, Osawatomie, Paola, Spring Hill.
Shawnee County: Auburn, Rossville, Silver Lake, Topeka, Willard.
Wyandotte County: Bonner Springs, Edwardsville, Kansas City Kansas, Lake Quivira.
Missouri Counties & Cities
Cass County: Archie, Belton, Cleveland, Creighton, Drexel, East Lynne, Freeman, Garden City, Harrisonville, Kansas City, Lake Annette, Lake Winnebago, Lee’s Summit, Peculiar, Pleasant Hill, Raymore, Strasburg.
Clay County: Avondale, Birmingham, Claycomo, Ectonville, Excelsior Estates, Excelsior Springs, Gladstone, Glenaire, Holt, Kansas City, Kearney, Lawson, Liberty, Missouri City, Mosby, North Kansas City, Oaks, Oakview, Oakwood, Oakwood Park, Pleasant Valley, Prathersville, Randolph, Smithville, Sugar Creek.
Jackson County: Blue Springs, Buckner, Grain Valley, Grandview, Greenwood, Independence, Kansas City, Lake Lotawana, Lake Tapawingo, Lee’s Summit, Levasy, Lone Jack, Oak Grove, Sugar Creek.
Platte County: Camden Point, Dearborn, Edgerton, Houston Lake, Kansas City, Lake Waukomis, Northmoor, Parkville, Platte City, Platte Woods, Riverside, Smithville, Tracy, Weatherby Lake, Weston.